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If you feel challenged with significant adverse family history compromising your client’s ability to achieve Preferred rates, we have a solution.

Our Underwriting Team is here to help with all your impaired risk cases.

Here are some examples:

Example #1

• 67- year- old male
• 5’10”, 190 lbs.
• BP averages 140/84, total cholesterol 218, & Chol/HDL ratio 4.6
• Father died at age 45 due to a heart attack and mother died at age 60 due to advanced breast cancer
• No other adverse medical history in his APS records

Underwriting Decision:  Preferred Best!

Key Factor:  Family history is NOT considered when the proposed insured is older than 65.  Therefore, the fact that our individual had two parents dying of heart disease/cancer at age 60 and younger had no bearing on the final decision.

Example #2

• 42- year- old female
• 5’3”, 154 lbs.
• BP averages 130/80, total cholesterol 220, & Chol/HDL ratio 4.2
• Both hypertension and cholesterol are currently being treated with medications
• Father passed away at age 59 due to prostate cancer
• No other adverse medical history in her APS records

Underwriting Decision:  Preferred Best!

Key Factor:  Gender specific cancers are not considered on proposed insured’s of the opposite sex.  Since our female applicant’s adverse family history was due to a male disease, it also had no bearing on the final decision.

Please contact us today for more information about this carrier and how we can help boost your sales.